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Originally Posted by ultrablue662  Not true, and Im living proof. my T mobile service WAS paid in full (bought myself out of the agreement) and it DID affect my credit score. even showed up when I wanted to rent an apartment. so did my bought of my Sprint agreement. You may be talking from a technical point of view, I'm taking from the what they do and get away with point of view. |
Then you've gotten the raw end of the deal twice. I would recommend using the provisions of the FCRA to dispute the credit dings.
*However*
What you may have experienced is a drop in credit score based on the lack of continued positive account. Having a current, active account in good standing serves to boost your credit score (provided it's not a line of credit).
In this case, you haven't had a derogatory entry placed against your credit, you've simply removed a positive entry.
It will be easy to tell, simply use AnnualCreditReport.com (the site created in response to the provisions of the FACT Act). You will be able to obtain your credit report from the "big three" (Experian, Transunion, Equifax) free. If you are unfamiliar with the FACT Act, the US government has mandated that the major credit agencies provide a simple mechanism for everyone to check their credit report once annually, free.
I've extensively used the Experian interface, and they actually provide a listing of "Potentially Negative Items" in your credit report. This should serve as a good starting point.
From there, simply choose to dispute the negative keying on your account, provide the account number and date of payoff, within a few weeks it should disappear (or return with an explanation).